How would you like to give to your pension scheme 11 months worth of contributions for nothing? The scheme gets your money and you get nothing in return. Seems fair? Of course not – but it can happen in certain circumstances.

It all depends on how your scheme counts pensionable service: does every day count, or just completed years? Failing to investigate this means you could lose all of the contributions you paid in for that last period that you failed to complete.

We help you to understand pensionable service, and what the implications might be when redundancy looms.

To find out more, choose one of our free Factsheets on the right to match your category of membership.